Side-by-side · Q2 2026 data
BayVanguard Bank vs Howard County Education Federal Credit Union
Credit union
Howard County Education Federal Credit Union
Ellicott City, Maryland · Under $100 million in assets
Metric by metric
| Measure | BayVanguard Bank | Howard County Education Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 51 |
| Capital cushion | 100 (stronger) | 61 |
| Loan quality | 84 (stronger) | 8 |
| Earnings | 60 (stronger) | 51 |
| Funding & liquidity | 52 | 91 (stronger) |
| Problem-loan coverage | 96 (stronger) | 70 |
| Peer percentile | 77th | 10th |
| Total assets | $868.7M | $25.0M |
| Deposits / shares | $689.1M | $22.1M |
| Capital ratio | 17.13% (stronger) | 11.14% |
| Problem loans | 0.48% (stronger) | 2.76% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.01% (stronger) | 0.78% |
| Loans ÷ deposits | 102.2% | 69.5% (stronger) |
| Uninsured deposits | 20.7% | 1.2% (stronger) |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | — |
BayVanguard Bank has the higher TellerScore (80 vs 51). On the 7 directional measures above (where higher or lower is clearly better), BayVanguard Bank leads on 5 and Howard County Education Federal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.